Virginia National Bankshares Corporation (VABK) Key Metrics
VABK valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $275.9M
- Enterprise value
- $227.6M
- P/E (TTM)
- 11.2 10-yr median 11.5
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 4.3 10-yr median 2.8
- Price / book
- 1.3 10-yr median 1.2
- EV / EBITDA
- — 10-yr median 3.1
- Dividend yield
- 2.83% $1.44 a year
- Beta
- 0.45
VABK key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsVABK valuation Price multiples at each fiscal year-end price.
VABK returns How much profit the business earns on the capital it uses.
VABK per-share figures Results divided by the shares outstanding at year-end.
VABK financial health Debt, liquidity and how easily interest is covered.
VABK efficiency & capital use Working capital cycle and where the cash goes.
VABK valuation history
VABK returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
VABK debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
VABK cash returned to shareholders
VABK price vs earnings per share
VABK key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $215.9M | $206.0M | $184.7M | $196.2M | $201.1M | $73.5M | $101.4M | $88.3M | $94.2M | $67.9M |
| Enterprise value | $185.6M | −$45.5M | −$184.3M | −$372.5M | −$448.6M | −$75.1M | −$23.9M | $15.1M | $49.4M | $20.9M |
| P/E ratio | 11.2 | 12.1 | 9.6 | 8.4 | 20.0 | 9.2 | 15.2 | 10.4 | 14.4 | 11.8 |
| Price / sales | 2.6 | 2.5 | 2.3 | 2.8 | 3.4 | 2.2 | 3.2 | 2.8 | 3.3 | 2.8 |
| Price / book | 1.2 | 1.3 | 1.2 | 1.5 | 1.2 | 0.9 | 1.3 | 1.2 | 1.4 | 1.2 |
| Price / free cash flow | 10.4 | 14.1 | 14.5 | 8.9 | 17.1 | 8.1 | 11.1 | 8.1 | 11.3 | 14.4 |
| Price / operating cash flow | 10.1 | 13.5 | 13.3 | 8.6 | 15.4 | 7.9 | 10.9 | 7.5 | 10.7 | 12.8 |
| EV / sales | 2.2 | -0.6 | -2.3 | -5.3 | -7.6 | -2.2 | -0.8 | 0.5 | 1.8 | 0.9 |
| EV / EBITDA | 6.6 | — | — | — | — | — | — | 1.3 | 4.0 | 2.2 |
| EV / free cash flow | 8.9 | — | — | — | — | — | — | 1.4 | 5.9 | 4.4 |
| Earnings yield | 8.9% | 8.2% | 10.4% | 11.9% | 5.0% | 10.8% | 6.6% | 9.6% | 7.0% | 8.5% |
| Free cash flow yield | 9.6% | 7.1% | 6.9% | 11.3% | 5.9% | 12.3% | 9.0% | 12.4% | 8.8% | 6.9% |
| Dividend yield | 3.5% | 3.4% | 3.8% | 3.3% | 3.2% | 4.4% | 3.1% | 2.8% | 1.5% | 1.6% |
| Shareholder yield (dividends + buybacks) | 3.5% | 3.7% | 41.3% | 3.3% | 3.2% | 4.4% | 3.1% | 2.8% | 1.5% | 3.5% |
| Share price at fiscal year-end | $39.85 | $38.20 | $34.38 | $36.66 | $37.88 | $27.15 | $37.70 | $32.87 | $35.37 | $25.85 |
| Per share | ||||||||||
| Revenue per share | $15.38 | $15.32 | $14.72 | $13.08 | $11.07 | $12.48 | $11.73 | $11.55 | $10.60 | $9.28 |
| Earnings per share | $3.55 | $3.15 | $3.59 | $4.38 | $1.90 | $2.95 | $2.49 | $3.15 | $2.46 | $2.19 |
| Operating cash flow per share | $3.94 | $2.84 | $2.59 | $4.24 | $2.46 | $3.42 | $3.47 | $4.38 | $3.30 | $2.01 |
| Free cash flow per share | $3.83 | $2.70 | $2.37 | $4.14 | $2.22 | $3.34 | $3.40 | $4.06 | $3.13 | $1.79 |
| Cash per share | $11.08 | $52.05 | $83.56 | $108.06 | $124.37 | $67.27 | $47.94 | $27.23 | $29.63 | $25.38 |
| Book value per share | $33.99 | $29.73 | $28.48 | $24.93 | $30.52 | $30.50 | $28.29 | $26.34 | $24.45 | $22.47 |
| Tangible book value per share | $32.06 | $27.59 | $26.09 | $22.25 | $27.37 | $30.23 | $28.00 | $26.02 | $24.10 | $22.07 |
| Dividends per share | $1.40 | $1.31 | $1.32 | $1.19 | $1.21 | $1.20 | $1.17 | $0.92 | $0.52 | $0.42 |
| Capex per share | $0.11 | $0.14 | $0.22 | $0.10 | $0.24 | $0.07 | $0.07 | $0.31 | $0.17 | $0.22 |
| Debt per share | $5.49 | $5.40 | $14.88 | $1.79 | $1.97 | $12.40 | $1.34 | $0.00 | $12.81 | $7.50 |
| Shares outstanding | 5.4M | 5.4M | 5.4M | 5.4M | 5.3M | 2.7M | 2.7M | 2.7M | 2.7M | 2.6M |
| Change in shares outstanding | +0.5% | +0.4% | +0.4% | +0.8% | +96.0% | +0.7% | +0.2% | +0.9% | +1.3% | −6.2% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.2% | 10.8% | 13.4% | 15.9% | 8.2% | 10.1% | 9.1% | 12.5% | 10.6% | 10.0% |
| Return on invested capital (ROIC) | 61.5% | — | — | — | — | — | — | — | 40.5% | 444.7% |
| Return on assets (ROA) | 1.2% | 1.0% | 1.2% | 1.3% | 0.7% | 1.0% | 1.0% | 1.3% | 1.0% | 1.0% |
| Return on tangible assets | 1.2% | 1.1% | 1.2% | 1.5% | 0.5% | 0.9% | 1.0% | 1.3% | 1.0% | 1.0% |
| Free cash flow margin | 24.9% | 17.6% | 16.1% | 31.6% | 20.0% | 26.8% | 29.0% | 35.2% | 29.5% | 19.3% |
| Income quality (OCF / net income) | 1.11 | 0.90 | 0.72 | 0.97 | 1.30 | 1.16 | 1.40 | 1.39 | 1.34 | 0.92 |
| Financial health | ||||||||||
| Total debt | $29.7M | $29.1M | $79.9M | $9.6M | $10.5M | $33.6M | $3.6M | $0 | $34.1M | $19.7M |
| Cash & short-term investments | $60.1M | $280.6M | $449.0M | $578.3M | $660.2M | $182.2M | $128.9M | $73.1M | $78.9M | $66.7M |
| Net debt | −$30.3M | −$251.5M | −$369.1M | −$568.7M | −$649.7M | −$148.6M | −$125.3M | −$73.1M | −$44.8M | −$47.0M |
| Debt / equity | 0.16 | 0.18 | 0.52 | 0.07 | 0.06 | 0.41 | 0.05 | 0.00 | 0.52 | 0.33 |
| Debt / assets | 0.02 | 0.02 | 0.05 | 0.01 | 0.01 | 0.04 | 0.01 | 0.00 | 0.05 | 0.03 |
| Net debt / EBITDA | −1.08 | −10.00 | −13.16 | −16.91 | −39.82 | −12.39 | −13.32 | −6.22 | −3.67 | −4.89 |
| Current ratio | 0.00 | 0.20 | 0.33 | 0.40 | 0.37 | 0.26 | 0.22 | 0.14 | 0.15 | 0.13 |
| Quick ratio | 0.00 | 0.20 | 0.32 | 0.40 | 0.66 | 0.31 | 0.25 | 0.14 | 0.15 | 0.13 |
| Interest coverage | 0.9 | 0.7 | 1.1 | 9.0 | 3.6 | 3.0 | 1.9 | 3.8 | 8.9 | 8.9 |
| Working capital | −$1.43B | −$1.14B | −$953.2M | −$888.6M | −$1.13B | −$543.7M | −$488.4M | −$495.1M | −$493.5M | −$472.6M |
| Invested capital | $153.8M | −$91.2M | −$216.0M | −$435.3M | −$487.7M | −$66.0M | −$49.2M | −$2.4M | $20.3M | $12.0M |
| Tangible asset value | $173.7M | $148.7M | $140.2M | $119.1M | $145.3M | $81.9M | $75.3M | $69.9M | $64.2M | $58.0M |
| Net current asset value | −$1.46B | −$1.18B | −$1.03B | −$898.2M | −$1.14B | −$577.3M | −$488.4M | −$495.1M | −$493.5M | −$472.6M |
| Graham number | $52.14 | $45.88 | $47.93 | $49.57 | $36.09 | $44.96 | $39.79 | $43.23 | $36.80 | $33.25 |
| Graham net-net per share | −$258.54 | −$217.19 | −$191.96 | −$168.47 | −$263.10 | −$220.65 | −$186.38 | −$184.86 | −$185.95 | −$180.43 |
| Capital allocation | ||||||||||
| Dividends paid | $7.6M | $7.1M | $7.1M | $6.4M | $6.4M | $3.2M | $3.1M | $2.5M | $1.4M | $1.1M |
| Share buybacks (net) | $0 | $559,000 | $69.2M | — | $0 | $0 | $5,000 | $0 | $0 | $1.3M |
| Dividend payout ratio | 39.5% | 41.8% | 36.7% | 27.3% | 63.6% | 40.7% | 47.0% | 29.1% | 21.1% | 19.0% |
| Dividends + buybacks / free cash flow | 36.6% | 52.5% | 599.4% | 28.9% | 54.4% | 35.9% | 34.4% | 22.6% | 16.6% | 50.0% |
| Capex / revenue | 0.7% | 0.9% | 1.5% | 0.8% | 2.2% | 0.6% | 0.6% | 2.7% | 1.6% | 2.4% |
| Capex / operating cash flow | 2.7% | 4.8% | 8.4% | 2.4% | 9.9% | 2.2% | 2.0% | 7.2% | 5.3% | 11.1% |
| Capex / depreciation | 0.15 | 0.17 | 0.25 | 0.11 | 0.29 | 0.10 | 0.16 | 0.69 | 0.37 | 0.46 |
| Stock-based compensation / revenue | 1.2% | 1.2% | 0.9% | 1.0% | 0.9% | 0.8% | 1.7% | 0.2% | 0.0% | 0.1% |
| SG&A / revenue | 2.3% | 21.0% | 22.4% | 27.1% | 30.5% | 29.8% | 31.0% | 28.2% | 31.0% | 39.5% |
| Efficiency | ||||||||||
| Days sales outstanding | 27.7 | 45.8 | 64.1 | 69.9 | 61.0 | 83.7 | 86.9 | 72.3 | 84.8 | 89.3 |
| Days of inventory on hand | — | — | 63.5 | — | -23,389.0 | -2,162.4 | -689.0 | 0.0 | — | — |
| Days payables outstanding | — | — | 50.1 | 309.0 | 212.8 | 248.4 | 220.8 | 127.3 | 370.3 | 556.6 |
| Cash conversion cycle (days) | — | — | 77.6 | -239.1 | -23,540.8 | -2,327.1 | -822.9 | -54.9 | -285.5 | -467.2 |
| Receivables turnover | 13.19 | 7.98 | 5.69 | 5.22 | 5.98 | 4.36 | 4.20 | 5.05 | 4.30 | 4.09 |
| Payables turnover | — | — | 7.28 | 1.18 | 1.72 | 1.47 | 1.65 | 2.87 | 0.99 | 0.66 |
| Inventory turnover | — | — | 5.74 | — | — | — | — | 9,326.00 | — | — |
| Asset turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Average receivables | $6.3M | $10.4M | $13.9M | $13.4M | $9.8M | $7.7M | $7.5M | $6.1M | $6.6M | $6.0M |
| Average payables | — | — | $3.0M | $2.8M | $2.5M | $3.4M | $3.4M | $1.6M | $1.7M | $1.6M |
| Average inventory | — | — | $3.8M | — | −$275.4M | −$29.5M | −$10.7M | $500 | $0 | $0 |
| Intangibles / total assets | 0.6% | 0.7% | 0.8% | 0.9% | 0.8% | 0.1% | 0.1% | 0.1% | 0.1% | 0.2% |
Computed from VABK's annual financial statements (latest annual report filed March 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
VABK valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Virginia National Bankshares traded at 11.2 times earnings, against a 10-year median of 11.5. Based on the latest twelve months, the trailing P/E is 11.2. Virginia National Bankshares earned a return on equity of 11.2% and a return on invested capital of 61.5% in fiscal 2025. It ended the year with $29.7 million of debt and $60.1 million in cash and short-term investments, a net cash position of $30.3 million. It returned $7.6 million to shareholders: $7.6 million in dividends and $0 in share buybacks, 37% of free cash flow. The share count rose 106.1% from 2.6M to 5.4M over 9 years.
See the VABK income statement, the VABK chart for price history, or the VABK stock overview for the latest quote and news.
VABK key metrics FAQ
What is Virginia National Bankshares's P/E ratio?
Virginia National Bankshares's trailing P/E ratio is 11.2 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 11.2, compared with a 10-year median of 11.5.
What is Virginia National Bankshares's EV/EBITDA?
Virginia National Bankshares's enterprise value was 6.6 times EBITDA at the end of fiscal 2025 (enterprise value $185.6 million, EBITDA $28.1 million).
What is Virginia National Bankshares's return on equity?
Virginia National Bankshares's return on equity (ROE) was 11.2% in fiscal 2025: net income of $19.3 million on average shareholders' equity of $172.2 million.
What is Virginia National Bankshares's ROIC?
Virginia National Bankshares's return on invested capital was 61.5% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Virginia National Bankshares have?
Virginia National Bankshares had total debt of $29.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.16 and more cash than debt.
What is Virginia National Bankshares's dividend yield?
Virginia National Bankshares's forward dividend yield is 2.83%. Virginia National Bankshares paid $7.6 million in dividends in fiscal 2025 ($1.40 per share), a payout ratio of 39.5%.
What is Virginia National Bankshares's free cash flow yield?
Virginia National Bankshares generated $20.8 million of free cash flow in fiscal 2025, a free cash flow yield of 9.6% on its market value at year-end ($215.9 million).
What is Virginia National Bankshares's current ratio?
Virginia National Bankshares's current ratio was 0.00 at the end of fiscal 2025: current assets were 0.00 times current liabilities.